The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,103
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,604
−HK$509/mo
Today · 4.125%
HK$17,113
baseline
▲ 0.50% · 4.625%
HK$18,154
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,226/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,914
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$487/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$19,877
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,323
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,925
−HK$610/mo
Today · 4.125%
HK$20,535
baseline
▲ 0.50% · 4.625%
HK$21,785
+HK$1,250/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,070/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,497
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,074
−HK$585/mo
Today · 4.125%
HK$22,659
baseline
▲ 0.50% · 4.625%
HK$23,853
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,318/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,544
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,245
−HK$713/mo
Today · 4.125%
HK$23,958
baseline
▲ 0.50% · 4.625%
HK$25,416
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,916/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,080
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,753
−HK$682/mo
Today · 4.125%
HK$26,435
baseline
▲ 0.50% · 4.625%
HK$27,828
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,870/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,985
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,887
−HK$916/mo
Today · 4.125%
HK$30,803
baseline
▲ 0.50% · 4.625%
HK$32,677
+HK$1,874/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,606/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,246
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$877/mo
Today · 4.125%
HK$33,988
baseline
▲ 0.50% · 4.625%
HK$35,779
+HK$1,791/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,976/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,857 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).